Equity
HOUTCREATIES VANTOMME has made a profit without a break since 2017.
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 59% of them on solvency, 37% on liquidity, 78% on profitability and 80% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 34,693 companies had the same profile as HOUTCREATIES VANTOMME has now. Each dot stands for 87 companies, two years later.
That fits the bankruptcy probability of HOUTCREATIES VANTOMME itself: 0.3% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for HOUTCREATIES VANTOMME. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is ample, with a current ratio of 2.14 (1.66 in 2024), above the usual 1.5. Short-term debt is 34% and cash 9.1% of total assets. 45.6% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 7 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| HOUTCREATIES VANTOMME Kortrijk | €203,613 | €61,066 | 54.4% | - |
| NOVAN Wingene | €230,905 | €75,982 | 37.7% | - |
| RENOVA PARKET Ingelmunster | €173,808 | €50,524 | 60.2% | - |
| ELIF KRK Saint-Josse-ten-Noode | €173,579 | €67,620 | 33.6% | 1 |
| ABAZOVIC Liège | €174,695 | €35,157 | 73.4% | - |
| Cormier Parket Lochristi | €331,615 | €56,328 | 42.9% | - |
| PARQUET PHILIPPE Huy | €148,098 | €86,384 | 64.7% | - |
These companies have the same main activity as HOUTCREATIES VANTOMME: laying of wooden floor and wall coverings (NACE 43332). They are comparable in size and age: total assets between €148,000 and €332,000, founded between 2013 and 2017.
HOUTCREATIES VANTOMME files the micro format. That format states no turnover. The gross margin rose from €10,571 in 2016 to €61,066 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €230,000. Estimated: probably between €160,000 and €390,000.
Higher than 59% of 35,136 companies in 2025.
Higher than 58% of 34,510 companies in 2025.
Higher than 75% of 34,711 companies in 2025.
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Staff costs divided by the average number of full-time equivalents.
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||||
20/58 |
203,613 | 162,110 | 109,142 | 162,427 | 150,859 | 147,126 | 127,412 | 118,217 | 78,602 | 66,940 | |
21/28 |
55,578 | 56,993 | 23,754 | 32,987 | 47,512 | 57,140 | 39,177 | 37,143 | 36,772 | 29,228 | |
22/27 |
55,578 | 56,993 | 21,884 | 31,117 | 45,642 | 55,270 | 37,307 | 35,943 | 35,572 | 28,028 | |
23 |
13,660 | 9,149 | 11,017 | 13,735 | 17,236 | 15,493 | 19,197 | 16,515 | 22,697 | 9,211 | |
24 |
16,915 | 23,158 | 8,857 | 15,040 | 25,732 | 36,771 | 18,109 | 19,428 | 12,875 | 18,817 | |
26 |
25,003 | 24,685 | 2,010 | 2,342 | 2,674 | 3,006 | - | - | - | - | |
28 |
- | 0 | 1,870 | 1,870 | 1,870 | 1,870 | 1,870 | 1,200 | 1,200 | 1,200 | |
29/58 |
148,034 | 105,117 | 85,387 | 129,440 | 103,347 | 89,987 | 88,235 | 81,074 | 41,830 | 37,712 | |
3 |
29,080 | 10,838 | 13,611 | 9,458 | 12,524 | 8,069 | 11,472 | 4,706 | 6,895 | 5,911 | |
30/36 |
29,080 | 10,838 | 13,611 | 9,458 | 12,524 | 8,069 | 11,472 | 4,706 | 6,895 | 5,911 | |
40/41 |
73,961 | 74,565 | 33,182 | 46,057 | 25,598 | 23,174 | 36,551 | 52,534 | 22,544 | 19,295 | |
40 |
73,324 | 38,458 | 21,695 | 31,762 | 11,700 | 9,790 | 18,499 | 23,385 | 16,940 | 18,435 | |
41 |
638 | 36,108 | 11,487 | 14,294 | 13,898 | 13,384 | 18,051 | 29,149 | 5,604 | 860 | |
50/53 |
25,037 | 17,886 | - | - | - | 31,350 | 38,400 | - | - | - | |
54/58 |
18,571 | 1,827 | 38,595 | 65,925 | 65,225 | 27,394 | 1,813 | 23,834 | 12,391 | 12,506 | |
490/1 |
1,385 | - | 0 | 8,000 | - | - | - | - | - | - | |
| Balance sheet: equity and liabilities | |||||||||||
10/49 |
203,613 | 162,110 | 109,142 | 162,427 | 150,859 | 147,126 | 127,412 | 118,217 | 78,602 | 66,940 | |
10/15 |
110,802 | 78,656 | 68,248 | 67,175 | 59,233 | 44,000 | 44,000 | 56,258 | 38,464 | 32,626 | |
10/11 |
40,000 | 40,000 | 40,000 | 40,000 | 40,000 | 40,000 | 40,000 | 40,000 | 40,000 | 40,000 | |
100 |
- | - | - | - | - | - | 40,000 | 40,000 | 40,000 | 40,000 | |
13 |
4,000 | 4,000 | 4,000 | 4,000 | 4,000 | 4,000 | 4,000 | 16,258 | - | - | |
130/1 |
- | - | 0 | 4,000 | 4,000 | 4,000 | - | - | - | - | |
130 |
- | - | - | - | - | - | 4,000 | 4,000 | - | - | |
1311 |
- | - | 0 | 4,000 | 4,000 | 4,000 | - | - | - | - | |
133 |
4,000 | 4,000 | 4,000 | - | - | - | 0 | 12,258 | - | - | |
14 |
66,802 | 34,656 | 24,248 | 23,175 | 15,233 | - | - | - | -1,536 | -7,374 | |
17/49 |
92,811 | 83,453 | 40,894 | 95,252 | 91,626 | 103,126 | 83,412 | 61,959 | 40,138 | 34,314 | |
17 |
13,130 | 20,053 | 4,001 | 11,126 | 26,310 | 42,154 | 16,827 | 19,818 | 22,109 | 22,233 | |
170/4 |
13,130 | 20,053 | 4,001 | 11,126 | 26,310 | 42,154 | 16,827 | 19,818 | 22,109 | 22,233 | |
42/48 |
69,192 | 63,329 | 36,778 | 84,126 | 65,316 | 60,972 | 66,586 | 42,141 | 18,029 | 12,081 | |
42 |
4,873 | 4,001 | 7,125 | 27,680 | 25,015 | 17,121 | 11,346 | 17,657 | 14,354 | 9,966 | |
44 |
17,857 | 40,562 | 9,761 | 29,182 | 27,784 | 26,412 | 31,723 | 11,559 | 1,717 | 814 | |
440/4 |
17,857 | 40,562 | 9,761 | 29,182 | 27,784 | 26,412 | 31,723 | 11,559 | 1,717 | 814 | |
45 |
12,367 | 0 | 3,631 | 3,965 | 1,325 | 0 | 2,365 | 5,923 | 953 | 552 | |
450/3 |
12,367 | 0 | 2,750 | 3,480 | - | 0 | 2,365 | 5,923 | 953 | 552 | |
454/9 |
- | 0 | 881 | 485 | 1,325 | - | - | - | - | - | |
47/48 |
34,096 | 18,767 | 16,261 | 23,299 | 11,191 | 17,439 | 21,151 | 7,002 | 1,005 | 749 | |
492/3 |
10,489 | 72 | 115 | - | - | - | - | - | - | - | |
| Income statement | |||||||||||
9900 |
61,066 | 23,057 | 13,165 | 65,023 | 53,161 | 32,180 | 38,575 | 47,129 | 19,970 | 10,571 | |
62 |
0 | 140 | 868 | 15,758 | 12,287 | - | - | - | - | - | |
630 |
13,243 | 8,935 | 9,233 | 16,402 | 20,127 | 18,913 | 27,186 | 17,444 | 12,950 | 16,227 | |
640/8 |
1,039 | 1,091 | 894 | 786 | 835 | 1,108 | 746 | 317 | 214 | 253 | |
9901 |
46,783 | 12,891 | 2,171 | 32,076 | 19,911 | 12,159 | 10,644 | 29,368 | 6,806 | -5,909 | |
75/76B |
132 | 136 | 120 | 156 | 435 | 1,126 | 883 | 495 | 553 | 385 | |
75 |
132 | 136 | 120 | 156 | 435 | 1,126 | 883 | 495 | 553 | 385 | |
65/66B |
155 | 148 | 561 | 1,154 | 961 | 854 | 770 | 1,146 | 1,521 | 1,850 | |
65 |
155 | 148 | 561 | 1,154 | 961 | 854 | 770 | 1,146 | 1,521 | 1,850 | |
9903 |
46,761 | 12,880 | 1,730 | 31,078 | 19,386 | 12,431 | 10,757 | 28,717 | 5,838 | -7,374 | |
67/77 |
9,015 | 2,471 | 657 | 8,136 | 4,153 | 2,635 | 1,865 | 3,923 | - | - | |
9904 |
37,745 | 10,408 | 1,073 | 22,942 | 15,233 | 9,796 | 8,892 | 24,794 | 5,838 | -7,374 | |
9905 |
37,745 | 10,408 | 1,073 | 22,942 | 15,233 | 9,796 | 8,892 | 24,794 | 5,838 | -7,374 | |
| Appropriation of the result | |||||||||||
9906 |
72,402 | 34,656 | 24,248 | 38,175 | 15,233 | 9,796 | 8,892 | 23,258 | -1,536 | -7,374 | |
14P |
34,656 | 24,248 | 23,175 | 15,233 | - | - | - | - | - | - | |
791/2 |
- | - | - | - | - | 0 | 12,258 | - | - | - | |
691/2 |
- | - | - | - | - | - | 0 | 16,258 | - | - | |
6920 |
- | - | - | - | - | - | 0 | 4,000 | - | - | |
6921 |
- | - | - | - | - | - | 0 | 12,258 | - | - | |
694/7 |
5,600 | - | 0 | 15,000 | 0 | 9,796 | 21,150 | 7,000 | - | - | |
694 |
- | - | 0 | 15,000 | 0 | 9,796 | 21,150 | - | - | - | |
695 |
5,600 | - | - | - | - | - | 0 | 7,000 | - | - | |
| Social balance sheet | |||||||||||
9087 |
- | - | - | 0.3 | 0.3 | - | - | - | - | - | |
Hours worked1013 |
- | - | - | 534 | 461 | - | - | - | - | - | |
| Document | |||||||||||
The notes to these accounts have 9 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 07-08-2026.
2025 annual accounts filed 7 days after the deadline. Filed on 7 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00388688.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 07-08-2026 | 2026-00388688 | |
| 31-12-2024 | micro format | 22-07-2025 | 2025-00297422 | |
| 31-12-2023 | micro format | 15-07-2024 | 2024-00244448 | |
| 31-12-2022 | micro format | 20-07-2023 | 2023-00274613 | |
| 31-12-2021 | micro format | 22-08-2022 | 2022-20306728 | |
| 31-12-2020 | micro format | 30-08-2021 | 2021-59600138 | |
| 31-12-2019 | micro format | 25-08-2020 | 2020-44200069 | |
| 31-12-2018 | abbreviated format | 19-08-2019 | 2019-47000118 | |
| 31-12-2017 | abbreviated format | 13-08-2018 | 2018-46600015 | |
| 31-12-2016 | abbreviated format | 27-08-2017 | 2017-51200474 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 60,027 | 21,827 | 11,404 | 48,478 | 40,039 | 31,072 | 37,829 | 46,812 | 19,756 | 10,318 | ||
| 50,989 | 19,344 | 10,306 | 39,345 | 35,360 | 28,709 | 36,077 | 42,238 | 18,788 | 8,853 | ||
| 11,828 | 44,044 | 0 | 1,877 | 10,500 | 36,876 | 29,219 | 17,815 | 20,494 | 45,455 | ||
| 16,744 | -36,767 | -27,330 | 699 | 37,831 | 25,582 | -22,021 | 11,443 | -115 | - | ||
| 78,843 | 41,787 | 48,609 | 45,314 | 38,031 | 29,015 | 21,650 | 38,933 | 23,801 | 25,631 | ||
| 54.4% | 48.5% | 62.5% | 41.4% | 39.3% | 29.9% | 34.5% | 47.6% | 48.9% | 48.7% | ||
| 2.14 | 1.66 | 2.32 | 1.54 | 1.58 | 1.48 | 1.33 | 1.92 | 2.32 | 3.12 | ||
| 1.72 | 1.49 | 1.95 | 1.43 | 1.39 | 1.34 | 1.15 | 1.81 | 1.94 | 2.63 | ||
| 0.84 | 1.06 | 0.60 | 1.42 | 1.55 | 2.34 | 1.90 | 1.10 | 1.04 | 1.05 | ||
| 34.1% | 13.2% | 1.6% | 34.2% | 25.7% | 22.3% | 20.2% | 44.1% | 15.2% | -22.6% | ||
| 18.5% | 6.4% | 1.0% | 14.1% | 10.1% | 6.7% | 7.0% | 21.0% | 7.4% | -11.0% | ||
| over 100 | over 100 | 20.33 | 42.02 | 41.66 | - | - | - | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 31-12-2022 | 31-12-2021 |
|---|---|---|
| Employees at the balance-sheet date | - | 1 |
| full-time | - | 1 |
| part-time | - | 0 |
| in full-time equivalents | - | 1 |
| On a permanent contract | - | 1 |
| Joined | 1 | 1 |
| Left | 2 | 0 |
Source: social balance sheet in the 2021 to 2022 annual accounts
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €11,828 | €44,044 | - | €1,877 | €10,500 |
| Financial fixed assets | €0 | - | - | - | - |
| €13,243 | €8,935 | €9,233 | €16,402 | €20,127 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is over 3.6 times that of 2024 and the highest since 2016. It is the second rise in a row, after the fall in 2023.
Debt's share of the balance-sheet total falls from 51.5% to 45.6%. Equity and debt are higher.
HOUTCREATIES VANTOMME has no parent and no holdings in its annual accounts. HOUTCREATIES VANTOMME shares no director with another company.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Rekkemsestraat 256 registered office 8510 Kortrijk | ||
| Bramier 13 8930 Menen | 02-03-2015 | 2.239.865.996 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 34024B0605/00L000 | 1,700 m² | 1 · 601 m² | 0.7 m |
| 34026A0091/00K002 | 259 m² | 1 · 102 m² | 8.9 m · 2 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0598.875.723
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